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Back to homeStarting price
Minimum bid
35.595 €
Min. raise
1000 €
Deadline
30/11/2026
Method
Asincrona Telematica
Professionals available in the area
Indicative quotes
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The property
What it is like, how big it is, where it isLot description
Appartamento al piano sottotetto (terzo piano catastale) composto da: ingresso, disimpegno, cucina, bagno e due vani; al piano seminterrato cantina.
Features
Rooms
5
Floor
3 S1
Location
What it really costs
The real purchase cost, not just the starting priceThe all-in price
What it would REALLY cost to win this lot at the current starting price (€ 47.460): estimated taxes and charges on top of the price.
| Registration tax (2%) | € 1.000 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 550 |
| Estimated charges on top of the price | € 1.950 |
| Indicative total (price + charges) | € 49.410 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−25.0%, over 33 historical reductions), the indicative total would go from € 49.410 to € 37.545 (−24.0%) — less than the nominal reduction, because the minimum tax and fixed charges do not fall proportionally. Many lots leave the market before the next attempt: this is a conditional scenario, not a forecast.
| Registration tax (9%) | € 4.271 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 550 |
| Estimated charges on top of the price | € 5.221 |
| Indicative total (price + charges) | € 52.681 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−25.0%, over 33 historical reductions), the indicative total would go from € 52.681 to € 39.749 (−24.5%) — less than the nominal reduction, because the minimum tax and fixed charges do not fall proportionally. Many lots leave the market before the next attempt: this is a conditional scenario, not a forecast.
⚠️ The appraisal report flags building violations/non-conformities: any amnesties or restorations are at the buyer’s expense — get them quantified by a surveyor before bidding.
⚠️ The appraisal report flags condominium fees: the buyer is jointly liable for arrears of the current year and the previous one (art. 63 implementing provisions of the Civil Code) — check the amounts before bidding.
Indicative estimate based on standard rules (registration tax regime, VAT excluded): the actual amount due is calculated on the award price and may vary for special regimes (sales subject to VAT, agricultural land, luxury properties; first-home benefits require the legal requirements). It does not replace the advice of a professional.
Mortgage payment estimate
Estimate how much you would pay each month if you financed this auction with a mortgage. A deterministic calculation: no real quotes, just a simulation.
Default: % of the auction price
Indicative fixed rate (ECB)
Estimated monthly payment
Total interest
Total paid
Compare term scenarios
| Term | Payment/month | Interest | Total |
|---|---|---|---|
⚠️ Indicative calculation based on the standard French amortisation formula. It does not take into account ancillary expenses (appraisal, notary, insurance) or any bank discounts for different LTVs. . Before taking part in the auction, get a real quote.
The court auction market in the area
Active auctions within 6 km
10 same category
Median starting price in the area
€ 102.680
Completed attempts (24 months)
30 100.0% left the market
Aggregates of geolocated auctions in the same category within 6 km. “Left the market” = lots no longer republished (the official outcome is not published by the PVP).
How to buy
The procedure, the documents, the deadlinesProceedings
- Court
- Tribunale di BERGAMO
- Case no.
- 426/2025
- Procedure
- Espropriazione Immobiliare (cartabia)
- Sale type
- Senza Incanto
- Method
- Asincrona Telematica
- Bid deadline
- 30/11/2026
- Hearing date
- 01/12/2026 · 15:00
- Published on
- 17/09/2026
Official documents
Complete basic set (appraisal report + notice + order). Presence detected among the attachments published on the PVP (19 attachments in total): this is not a judgement on the content of the documents.
Technical appraisal report Analysed
Official PDF from the Public Sales Portal
II avviso di vendita 426 -2025 .pdf
429 KB
ordinanza di vendita.pdf
561 KB
planimetria catastale e stato di fatto.pdf
624 KB
fotografie.pdf
2.5 MB
Go to the Public Sales Portal
Official act of the Ministry of Justice
Book a viewing of the asset
Official request on the Public Sales Portal
Other lots in this case
Go to the case →The context
The market around this lotContext of this sale
Contact
Reference auction
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Frequently asked questions about this auction
When does this auction in Zanica take place?
The deadline for submitting bids is 30/11/2026. The auction will then be held on 01/12/2026 at the Tribunale di BERGAMO.
What is the starting price of this court auction?
The auction starting price is €47.460. Compared with the appraisal estimate of €63.280, the saving on market value is 25%. The minimum admissible bid is €35.595. The minimum bid increment is €1.000.
How do I take part in this auction?
The auction is held in Asynchronous online mode. To take part you must submit a bid with a deposit equal to 10% of the price offered, by the deadline shown on the Public Sales Portal. The deadline for bids is 30/11/2026.
What happens if this auction goes unsold?
If this auction also goes unsold, the judge may order a new attempt at a further reduced price (usually −25% on the previous starting price).
Can I view the property before taking part in the auction?
Yes, it is normally possible to view the property by making an appointment with the court-appointed custodian. The custodian’s details (name and contacts) are given in the technical appraisal report downloadable from this page.
Page edited by the addicta editorial team — official data from the Ministry of Justice’s Public Sales Portal.
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Useful guides for buying at auction
- Expert appraisal report: how to read it and what to look for before bidding What to look for in the appraisal report before bidding at auction: legal red flags, planning discrepancies, occupancy status and tips for the viewing.
- How to buy at a court auction: the complete 2026 guide Everything you need to know to take part in a court auction: from choosing the lot to the transfer decree. A step-by-step operational procedure with legal references and an error-proof checklist.
- Synchronous, asynchronous, mixed and in-person sales: differences and how to prepare How the four sale methods in court auctions work: synchronous, asynchronous, mixed and in-person. Operational differences, timing and preparation for the auction.
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